Coffee shop insurance
Join over nearly a million customers (including tea & coffee shops) – we offer public liability cover from £4.95*
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- Compare tailored insurance quotes for coffee shops like yours from trusted brands
10% of customers pay the equivalent of £4.95 a month*

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Rated 4.6/5
Based on 39.9K reviews

Claims paid in 24 hours
For 80% of settled claims
Why do you need coffee shop insurance?
You’re passionate about great coffee and giving your customers a great coffee shop experience – but the industry is not without its risks. From burns to spillages to valuable espresso machines that you can’t do without, unexpected costs can be a shock to the system. Coffee shop insurance helps you worry less about how you and your business would cope with the consequences.
- Peace of mind that you’re covered against mistakes and accidents, including injury, food poisoning and allergic reactions
- Help to cope with big disruptions, such as a fire or flood at your premises
- Protection against expensive damage to your coffee machines, fixtures and fittings and raw materials
What does coffee shop insurance cover?
You can tailor your insurance to suit the way you operate your coffee shop business. If you employ people, you’re required by law to have employee liability cover, and public liability insurance is an important one to consider too. There are several other types of cover that could be vital for your business – the choice is yours.
How much does coffee shop insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.95 per month
Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example coffee shop insurance quotes, real prices

£28.25 /month
£246.76 /year
A small independent coffee shop on the high street which has 1 employee
- 1-2 years’ experience
- Limited company
- 1 employee
- Based in Northampton
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Contents/business equipment
Not included

£48.73 /month
£425.60 /year
A small coffee shop on a shopping centre which has 3 employees and offers a small catering service
- 5+ years’ experience
- Limited company
- 3 employees
- Based in Edinburgh
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Contents/business equipment
£10,000
How we work out example quotes These examples are real quotes from our online system (created 07/05/2025). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Contents | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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Only pay for what you need
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£68 million in claims paid out in 2024
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
Example claim
Having coffee shop insurance through Simply Business has saved coffee shop businesses thousands of pounds when the unexpected happened.
Amber saved more than £27,500
One day at her coffee shop, Amber (name changed for privacy) was surprised when the 3x5m glass panel on the shop front smashed without any warning. The broken glass had been taken down, and the space was boarded up. Fortunately her insurance stepped in to cover the expense.
Insurance payout
£27,636.00
Covering the cost of the damage
Insurance payout
Covering the cost of the damage
Covering the cost of the damage
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
Coffee shop insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about coffee shop insurance. You can also check out our business insurance FAQs.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions